Classic Credit Card

The everyday credit card with no annual fee. Suitable for all existing Bank of Ireland customers. Apply for your Classic Mastercard online in minutes or call us on 0818 200 412 - Monday to Friday, 8am - 8pm.

Features & Benefits

Introductory offer
0%interest on purchases for first 6 months1
0%interest on balance transfers for first 7 months2
With the Classic Credit Card you get:

  • No transaction fees: Pay no transaction fees when you use your credit card to pay for goods and services. Cross border handling fees apply to non-Euro transactions.

  • No annual fee: No additional annual fees are applied to your credit card. Credit Card Accounts are liable to annual Government Stamp Duty of €30.

  • Free Additional Cardholders: Add up to 3 additional cardholders and still pay government stamp duty only once.

  • 24 hour approval: means next working day provided that we are in receipt of all relevant information and documentation. Applications for non Bank of Ireland customers and applications referred to underwriting may take longer.

  • Low cost instalment option: Spread the cost of larger purchases at a great low rate by taking advantage of our unique credit card Instalment Plan.  Click here for more information.

  • Emergency Cash Service: Should you lose your card while abroad, we’ll cancel your card. If you are abroad we can provide you with an Emergency Cash Advance Facility in most countries. (Subject to available credit, fees and charges may apply.)

  • Paying with Contactless: Contactless is a fast, easy and secure way to pay for items. It’s ideal for quick stops at coffee shops, grocery stores and pharmacies at home and abroad. There is no need to put your card into the terminal or enter your PIN, all you have to do is simply hold your credit card against the card reader. So checkout is easier than ever.

  • Chargeback Rights: You are protected when you use your credit card to make purchases in the event of loss or non-receipt of goods / services and in the event of fraudulent activity.

  • Interest free credit: Pay your bill in full and on time every month and don’t pay any interest on purchases. Enjoy up to 56 days interest free credit on what you buy. Interest is charged on cash advances and outstanding balances.

  • Exclusive offers and experiences: As a Bank of Ireland MasterCard customer, you will get access to exclusive experiences, offers and benefits in Ireland or when exploring other destinations abroad with MasterCard Priceless Cities at

It only takes a couple of minutes to complete the online application.

Apply Online Now

Lending criteria terms and conditions apply to all credit cards.

1 0% interest on purchases for the first 6 months. After 6 months from the date of account opening standard interest will apply to purchases the details of which are outlined in the rates section.
2 Limited offer available on accounts opened up to 30th of June 2016. Available if you don’t currently hold a credit card with Bank of Ireland, whether you have an account with us or not. At the end of the introductory period the annual interest rates revert back to the standard rate applicable to your card at that time.

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